TERMS OF USE AND PRIVACY POLICY

FOR ALL TURNING POINT SERVICES, LTD. SITES AND SERVICES

UPDATES

The following TERMS OF USE and PRIVACY POLICY are subject to change at any time and at the sole discretion of Turning Point Services, Ltd. Please visit regularly for updates to the TERMS OF USE and PRIVACY POLICY. TERMS OF USE Please read carefully the following TERMS OF USE relating to your use of this SITE and all the SITES listed below under our brand, Turning Point Services, Ltd. By using these SITES, you agree to these TERMS OF USE. We reserve the right to modify these terms at any time, so please check this page periodically for updates and changes. By using these SITES after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these TERMS OF USE, please do not use this SITE or any of our SITES.

OWNERS and COLLECTORS of INFORMATION

These TERMS OF USE apply to your use of all of the websites and services owned, hosted, or operated by Turning Point Services, LTD (collectively “we,” “us,” or “our”), including ritaabdallah.com and any other site that we have owned or operated, do own and operate, or may own or operate in the future, including social media sites (collectively, the “SITES”). Unless we declare otherwise, all references to the SITES in these TERMS OF USE include all such SITES. These TERMS OF USE do not apply to your use of unaffiliated SITES to which any of the SITES may link to or direct you to now or in the future. If you have any questions about these TERMS OF USE you may contact us at:

Please note that the “TERMS OF USE” are different and separate from the “TERMS and CONDITIONS” associated with registering for any of our live events or seminars. You can view all of the terms and conditions related to our live events by visiting ritaabdallah.com.

RESTRICTIONS

The contents of our SITES are protected by copyright and trademark laws, and are the property of their owners. Rita Abdallah trademarks “ritaabdallah.com,” and Turning Point Services, LTD copyrights all information on the SITES. Unless otherwise noted, you may access and use the information and materials within the SITES for your personal use. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the SITES. You must obtain written permission from us or any other entity that owns intellectual property on the SITES before you may publish, distribute, display, or commercially exploit any material from the SITES. By using the SITES, you agree to abide by all copyright notices or other posted restrictions.

LINKS

These TERMS OF USE apply only to our SITES, and not to the SITES of any other companies or organizations, including those we link to from our SITES. We do not maintain, create, endorse, or take any responsibility for the contents, advertising, products, or other materials made available through any other site, including those we link to from our SITES. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods, or services available on any other site. Other sites may link to our SITES by permission only. To seek our permission, you may contact us at the information above. We reserve the right to rescind any permission granted to you or any organization in which we approve linking to our SITES, and to require termination of any such link to any of the SITES, at our discretion at any time.

EVENTS, INFORMATION, and SPEAKER CHANGES

The events, information, and speakers listed on our SITES are subject to change without notification.

SUBMISSIONS

We welcome your comments about any of the SITES. However, we will not review or consider any unsolicited creative submissions or suggestions for topics at our events or within our publications or products. We hope you will understand that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by us might seem to be similar to ideas submitted to us. As such, we must ask that you not send us any original creative ideas, suggestions, or materials. If despite our request, you send us any idea, suggestion, or material (collectively “SUBMISSION”, it shall become our property. We will not be subject to any obligation of confidence for any SUBMISSION, and we will not be liable for any use or disclosure of any SUBMISSION. In the case that you submit something to us and it is unsolicited we will exclusively own all rights to the SUBMISSION worldwide, and we will be entitled to the unrestricted use of the SUBMISSION for any purpose, without compensation or notification to the provider of the SUBMISSION. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.

FORUMS

A “forum” means any message board, chat room, user review format, or other interactive service appearing on any of our SITES and includes both public boards and private folders. You must register in accordance with instructions that you will find on the SITES in order to contribute to any forum. You may not post on any forum, or send to any other forum user or us, any material that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene, invading of a person’s privacy, or violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or that solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software, or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the SITES, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain however the right to modify or to remove messages or other material that we in our sole discretion consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other cause. Whether or not we modify or remove such material, users remain solely responsible for the content of their own messages or postings. By posting on the SITES, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliates the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings in their original or edited form in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the SITES.

REGISTRATION

We may at our discretion suspend or terminate the registration of any general user or forum user who violates any of these TERMS OF USE, any of the forum member guidelines, or for any other behavior that we in our discretion believe is inappropriate.

DISCLAIMERS

The information, services, products, claims, seminar topics, and materials on our SITES are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or success strategies listed on our SITES as well as those that are provided in our products or to our participants at our events. The only exception is the guarantees of satisfaction and graduation that are clearly labeled guarantees within our SITES. Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the SITES will be uninterrupted or error-free, that defects will be corrected, or that the SITES or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information or materials in these SITES in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair, or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We do not endorse, warrant, or guarantee any speakers, products, or services offered on the SITES or those we link to. We are not a party to, and do not monitor, any transaction between users and third party providers of products or services.

LIMITATION OF LIABILITY

Under no circumstances, including but not limited to negligence, will we or any of our licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the SITES, or any products or services provided pursuant to the SITES, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us if any for accessing the SITES. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our SITES or at one of our events. We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest speakers in connection with the display of their photo, name, or biography posted on our SITES or in our marketing materials.

NO PROFESSIONAL ADVICE

The information contained in or made available through the SITES (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the SITES. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions, and results in life, and by your use of the SITES, you agree not to attempt to hold us liable for any such decisions, actions or results at any time or under any circumstance.

EARNINGS DISCLAIMER

We don’t believe in “feel better quick” programs – only in personal introspective hard work, value, building a lively and professional career, and serving others with excellence and constancy. Our programs are intended to help you look inward and discover your message or perhaps share your message with a broader audience. Our products bring about hard work and discipline, just like any other worthwhile endeavor or professional continuing education program. Please don’t enroll in our programs if you believe in the “feel better quick” myth or ideology; we only want serious people dedicated to real personal development who want to add value and to move humanity forward. As stipulated by law, we cannot and we do not make any guarantees about your ability to get results, or earn any money, with our ideas, information, tools or strategies. We do not know you. Your results in life are up to you. We just want to help you by providing great content, direction, and strategies. What we may guarantee is your satisfaction; we give you a 30-day 100% satisfaction guarantee, so if you are not happy for any reason with the quality of our products, just ask for your money back. You should know that all products and services by Turning Point Services, Ltd. are for informational purposes only. Nothing on this SITE, any of our SITES, or any of our content or curriculum construes a promise or a guarantee of results, monetary or otherwise. We do not offer any legal, medical, tax, or other professional advice. Any monetary numbers referenced here, or on any of our SITES, are illustrative of concepts only and should not be considered average earnings, exact earnings, or promises for actual or future earnings or performance. Making decisions based on any information presented in our products, events, services, or SITES, should be done only with the knowledge that you could experience risk or losses just like any entrepreneurial endeavor. Use caution and always consult your accountant, lawyer, or professional advisor before acting on this or any information related to a lifestyle change or your business or finances. You alone are responsible and accountable for your decisions, actions, and results in life. By your registration here or on any of our SITES, you agree not to attempt to hold us liable for your decisions, actions, or results at any time or under any circumstance.

PARENTAL PERMISSION

The SITES are not directed to children under the age of 15 years and we will not knowingly collect personally identifiable information from children under 15 years. We strongly recommend that parents participate in their children’s exploration of the internet and any online services and use their browser’s parental controls to limit the areas of the internet to which their children have access. We may at our discretion require users under 18 to obtain the consent of a parent or guardian to view certain content. We may limit access to certain content to users above a specified age. You agree to abide by any such restrictions and not to help anyone avoid these restrictions.

EXPLICIT LANGUAGE and MATURE CONTENT

On our SITES, we may occasionally discuss mature topics and language relating to personal and professional growth. Such discussions may use explicit language. Users uncomfortable with such topics or language should not use our SITES.

CONFIDENTIALITY and NON-COMPETE

Users of our SITES hereby understand that the tools, processes, strategies, materials, and information presented on our SITES are copyrighted and proprietary. Users agree not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorized use or distribution of our SITES’ proprietary concepts, materials, and intellectual property by you or your representatives are prohibited. We may pursue legal action and full damages if these terms are violated in order to protect our rights.

PRIVACY POLICY

We are committed to protecting your privacy and security and have explained in detail the steps we take to do so. We control this SITE from offices in the United States of America. We do not represent that materials on the SITE are appropriate or available for use in other locations. Persons who choose to access this SITE from other locations do so on their own initiative. Those persons are responsible for compliance with any local laws, if and to the extent, local laws are applicable.

OUTSIDE SITES

Our SITES may contain links to other websites, such as our sponsor’s websites or links to booksellers, which may offer products or services that our customers might find useful. These websites may request information from you. In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that website. We do not control the privacy policies, contents, or links that appear on these websites. We encourage you to review the privacy policies of any third party websites or services before providing any of them with your personal information.

HOW and WHY WE COLLECT INFORMATION

We collect your information in order to record and support your participation in the activities you select. If you register for a live event, for example, the information is used to reserve your seat, to track your preferences, and to keep you informed about the seminar and related events. As a visitor to our SITES, you can engage in many activities without providing any personal information. In connection with other activities, such as utilizing registration for a live event or participating in a sweepstakes, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, telephone number, credit card, and other personal information. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party. Except as otherwise provided in this policy, we will never intentionally disclose any personal identification information about you as an individual user to any third party without having received your permission. If you supply us with your contact information, you may receive periodic e-mails, mailings, or calls from us with information on new products and services, important issues, or upcoming events. If you wish to be removed from any postal, email, phone, or other lists, please let us know by emailing us at rita@ritaabdallah.com. You can also write us or call us at the contact information listed above. Please provide us with your exact name, email address, mailing address, and phone in such contact. We will be sure your name is removed from the appropriate lists as soon as possible. When you use our SITES, our authorized technology services or we may also collect certain technical and routing information from you to facilitate your use of the SITE and its services. We use this information to administer the SITE and to understand and to measure traffic patterns on the SITE so that we know which areas of our SITES are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our SITES. This information is collected in aggregate form, without identifying you or any user individually. We may use this aggregate, unidentifiable statistical data for analyses, marketing, or similar promotional purposes. Our technology services or we often track this data by using “cookies” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. For some websites that require an authorization, cookies are not optional. Users not electing acceptance of cookies will likely not be able to access those pages.

EXCEPTIONS TO PRIVACY POLICY

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: (a) we will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order; (b) we will release specific information in special circumstances, such as if there is an attempted breach of the security of the SITES, or a physical or property threat to you or to others; (c) we may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Furthermore, the information you enter when making a purchase or an online monetary exchange or donation will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose of carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting website, that information can be collected and used by third parties. Although we strive to protect user privacy, we cannot guarantee the security of information that you post in these forums. You disclose such information at your own risk.

MISCELLANEOUS

These terms will be governed by and construed in accordance with the laws of the State of Ohio, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of Ohio. If any of these TERMS OF USE are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining TERMS OF USE, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these TERMS OF USE on our SITES.